Looking for holiday caravan insurance?

Whether you have a touring or a static caravan, looking for holiday caravan insurance can sometimes be confusing. Don’t worry. With our friendly team of professional staff, we can help you with your search, whether you want to make it over the telephone or on the internet.

When we help people look for holiday caravan insurance, we bear the following considerations in mind.

What is covered by the policy?
For touring, static and motorhome insurance policies, a combination of structural and contents cover may be included. The list of perils that may be covered may read like the plot of a disaster movie, but hopefully none of those things will happen!

The risks commonly covered by a typical holiday caravan insurance policy may include:

• fire;
• storm;
• earthquake;
• malicious damage (not all insurers will offer this cover – we do);
• theft; and
• damage from items falling from aeroplanes.

If you are looking for touring caravan insurance, you may wish to pay close attention to the contents section of the policy.

For instance, do you have an awning for your touring caravan? They can be useful for keeping a set of table and chairs or outdoor games to keep the children out of mischief. However, the contents of an awning may not be covered by your policy. Likewise, the awning itself may not be covered if you have left the caravan with the awning attached during a storm.

Other issues to check in the contents part of your caravan insurance may include any single item limits. If you take very expensive items on your holiday, you may find that your insurer may not pay out for these above a certain figure.

Are there any discounts?
Even if nothing is specifically mentioned on their website, it may be worth asking if an insurer may give you a discount for:

• extra security measures that you have fitted. For a touring caravan you may be obliged in any event to have a hitchlock and wheel clamp. But if you go over and above this standard, mention it to the insurer;
• keeping the caravan in a safe place. If your static caravan is kept on a site that is well know for its security (eg. gated or patrolled, or a member of a safe sites club), your insurer may discount the price of the policy. Likewise if you keep a touring policy in a safe site, mention this to your insurer;
• any other no claims bonuses that you may have. Some brokers – such as ourselves – will be prepared to take evidence of your no claims bonuses on other policies as proof of what a careful and responsible person you are. As a result, you may be offered a discount on your holiday caravan insurance premium.